1. Is Your Mortgage & Lifestyle Totally Protected?

2. USA Benefits Group Eagle Division ABOUT DAVID COLLINS  37 Years Of Providing Mortgage Protection For The Question: “Are You Totally Protected” “Are You Totally Protected”  USA Benefits Group Executive Vice President since 2003  4000 Customers  16 Third Generation Families  CHU certified since 1998405-616-7714dc@usabg.net

3. THERE IS ONLY FOUR THINGS THAT CAN AFFECT A MORTGAGE AND WE COVER THEM ALL!! THERE IS ONLY FOUR THINGS THAT CAN AFFECT A MORTGAGE AND WE COVER THEM ALL!! YOU COULD DIE We would pay off the mortgage YOU COULD HAVE A CRITICAL ILLNESS CANCER-HEART ATTACK-STROKE 6 times more likely than dying We would pay $50,000 On Diagnosis YOU COULD HAVE AN ACCIDENT 5 times more likely than dying After A 90 Day Wait We Will Make Your Mortgage Payment For 24 Months YOU COULD LIVE TO TERM We Would Return Your Premium MY HISTORY WITH MORTGAGE PROTECTION From 1977 until I joined USABG in 2003, Mortgage Protection represented about 40% of my personal production. I knew weeks in advance what counties I would be working daytime health leads in, and would purchase list of mortgage holders 30 to 50 years old that had originated a mortgage in the last 5 years that I could cold call.. I averaged 7 sales a month cold calling these lists The average premium was $100 with an average advance of $945 dollars. From 1977 until I joined USABG in 2003, Mortgage Protection represented about 40% of my personal production. I knew weeks in advance what counties I would be working daytime health leads in, and would purchase list of mortgage holders 30 to 50 years old that had originated a mortgage in the last 5 years that I could cold call.. I averaged 7 sales a month cold calling these lists The average premium was $100 with an average advance of $945 dollars.

4. USA BENEFITS GROUP EAGLE DIVISION Providing Insurance Solutions for 37 Years STABILITY & SECURITY WITH USABG EAGLE DIVISIONSTABILITY & SECURITY WITH USABG EAGLE DIVISION –Nationwide network of insurance professionals serving home owners since 1977. –37 years of providing mortgage insurance solutions for the WHAT IF of life! –Over $550 million in business, while insuring thousands of mortgages and lifestyles –We have witnessed over a billion dollars in claims. Most of these Claims did not involve dying! We know what you need to protect your mortgage and lifestyle TOTAL MORTGAGE PROTECTION PLUS COVERS EVERYTHING THAT CAN AFFECT YOUR MORTGAGE AND LIFESTYLETOTAL MORTGAGE PROTECTION PLUS COVERS EVERYTHING THAT CAN AFFECT YOUR MORTGAGE AND LIFESTYLE –Die before the end of your mortgage –Have a Critical Illness Event – Six Times More Likely Than Dying –Have a accident disability - Five Times More Likely Than Dying –Live to the end of your mortgage

5. TOOLS YOU NEED TO BE SUCCESSFUL IN THIS MARKET USA BENEFITS GROUP EAGLE DIVISION How To Generate The Most Cost Effective Leads !! THESE LEADS ARE EXCLUSIVE TO YOU !! TOOLS YOU NEED TO BE SUCCESSFUL IN THIS MARKET UNLIMITED QUALIFIED LIST Unlimited Access To Homeowners 30-50 Years Old That Have Originated A Mortgage Loan of $100,000 To $300,000 In The Last 5 Years. All list include phone numbers and are scrubbed for “NO CALL” Cost For This Service Is $50.00 Per Month POWER DIALER WITH LEAD MANAGEMENT TOOLS 3 Line Predictive Dialer From SalesDialers.ComMakes 400 Calls Per Hour = 80% Productive Time Cost For This Service Is $110 Per Month E-COMMERCE TOOLS Gold Package From Iboomerang Gold Package From Iboomerang Cost For This Service Is $100 Per Month TOTAL MONTHLY COST = $260

6. USA BENEFITS GROUP EAGLE DIVISION Results You Should Expect !! STAY COMMITTED TO THE 37 YEAR OLD SYSTEM !! WE SELF GENERATED MORTGAGE LEADS BY COLD CALLING FOR 26 YEARS We Were Manually Dialing About 25 Calls Per Hour We Could Only Buy List That Had Been Originated In The Last 5 Years We Generated Two Very Good Appointments For Every Ten Contacts We Sold 50% Of Our Appointments We Averaged 7 Sales Per Month Part Time The Average Advance Was Over $800 Per Sale ADVANTAGES OF NEW GENERATION TECHNOLOGY FOR MORTGAGE SALES The Sales Dialers.Com 3 Line System Makes 400 Calls Per Hour We Can Buy Unlimited Mortgage List For $50 Per Month They Have Phone Numbers And Are Scrubbed For Do Not Call They Are Age Specified 30 To 50 Years Old They Are Mortgage Specified At $100,000 To $300,000 REASONABLE EXPECTATIONS 10+ SALES PER MONTH WITH A $1,000 ADVANCE PER SALE

7. Why Total Mortgage Protection Plus ?? CRITICAL ILLNESSES AND ACCIDENTS #1 Cause Of Foreclosures And Bankruptcy  CANCER EVERY 24 SECONDS –55% Of All Hospital Admissions –I in 2 males + 1 in 3 females –Average recovery 14 months –6 Times More Likely Than Dying  CORONARY ILLNESSES EVERY 29 SECONDS –1.2 million heart attacks & 800,000 surgeries per year –10% Of All Hospital Admissions –Average Recovery 8 To 10 Months –6 Times More Likely Than Dying  ACCIDENTS –There is over 20 million accidents every year –14% Of All Hospital Admissions –Average recovery 8 months –5 Times More Likely Than Dying

8. 80% USE UP ALL THEIR LIFE SAVINGS What if this happened to you? 80% USE UP ALL THEIR LIFE SAVINGS What would you do? THESE CLAIMS ARE ALL MY CUSTOMERS THESE CLAIMS ARE ALL MY CUSTOMERS  BREAST CANCER / $414,137  10 MONTHS OF LOST INCOME  Received $50,000 On Diagnoses  HEART ATTACK WITH SURGERY / $243,000 Bill  13 MONTHS OF LOST INCOME  Received $50,000 On Diagnoses  ACCIDENT WITH 7 SURGERIES / $393,000 Bill  24 MONTHS OF LOST INCOME  90 Day Wait. Received $2,200 Monthly For 21 Months  OUR GOALS ARE SIMPLE, PROTECT THE MORTGAGE  Pay The Mortgage Payment On Critical Illnesses And Accidents  Pay Bills On Critical Illnesses  Pay All Out Of Pocket Cost On Your Major Medical  Pay Off Mortgage If You Die  Return Your Premium, If You Do Not

9. USABG Mortgage Protection Plus If Cancer Or An Accident Was In Your Future ?? Which Plan Would You Prefer ?? DEATH BENEFIT ONLY Mortgage Protection Plus IF YOU DIE We Pay Off Mortgage + CRITICAL ILLNESS We Pay $50,000 Cash CRITICAL ILLNESS We Pay $50,000 Cash+ ACCIDENT DISABILITY We Pay Payment + IF YOU LIVE Return Of Premium Standard Mortgage Protection Death Benefit Only CRITICAL ILLNESS DEATH BENEFIT ACCIDENT DISABILITY Return Of Premium